Sport Horse Spotlight

Zucchero Gold - Wandres, Frederic - 838-BC18_REU2723-foto_reumann

Real Estate Spotlight


Sale Spotlight

  • Welcome to the Chronicle Forums.
    Please complete your profile. The forums and the rest of has single sign-in, so your log in information for one will automatically work for the other. Disclaimer: The opinions expressed here are the views of the individual and do not necessarily reflect the views and opinions of The Chronicle of the Horse.



Forum rules and no-advertising policy

As a participant on this forum, it is your responsibility to know and follow our rules. Please read this message in its entirety.

Board Rules

1. You�re responsible for what you say.
As outlined in Section 230 of the Communications Decency Act, The Chronicle of the Horse and its affiliates, as well Jelsoft Enterprises Ltd., the developers of vBulletin, are not legally responsible for statements made in the Forums.

This is a public forum viewed by a wide spectrum of people, so please be mindful of what you say and who might be reading it�details of personal disputes may be better handled privately. While posters are legally responsible for their statements, the moderators may in their discretion remove or edit posts, though are not legally obligated to do so, regardless of content.

Users have the ability to modify or delete their own messages after posting. Moderators generally will not delete posts, threads or accounts unless they have been alerted and have determined that a post, thread or user has violated the Forums� policies. Moderators do not regularly independently monitor the Forums for such violations.

Profanity, outright vulgarity, blatant personal insults or otherwise inappropriate statements will not be tolerated and will be dealt with at the discretion of the moderators.

Users may provide their positive or negative experiences with or opinions of companies, products, individuals, etc.; however, accounts involving allegations of criminal behavior against named individuals or companies MUST be first-hand accounts and may NOT be made anonymously.

If a situation has been reported upon by a reputable news source or addressed by law enforcement or the legal system it is open for discussion, but if an individual wants to make their own claims of criminal behavior against a named party in the course of that discussion, they too must identify themselves by first and last name and the account must be first-person.

Criminal allegations that do not satisfy these requirements, when brought to our attention, may be removed pending satisfaction of these criteria, and we reserve the right to err on the side of caution when making these determinations.

Credible threats of suicide will be reported to the police along with identifying user information at our disposal, in addition to referring the user to suicide helpline resources such as 1-800-SUICIDE or 1-800-273-TALK.

2. Conversations in horse-related forums should be horse-related.
The forums are a wonderful source of information and support for members of the horse community. While it�s understandably tempting to share information or search for input on other topics upon which members might have a similar level of knowledge, members must maintain the focus on horses.

3. Keep conversations productive, on topic and civil.
Discussion and disagreement are inevitable and encouraged; personal insults, diatribes and sniping comments are unproductive and unacceptable. Whether a subject is light-hearted or serious, keep posts focused on the current topic and of general interest to other participants of that thread. Utilize the private message feature or personal email where appropriate to address side topics or personal issues not related to the topic at large.

4. No advertising in the discussion forums.
Posts in the discussion forums directly or indirectly advertising horses, jobs, items or services for sale or wanted will be removed at the discretion of the moderators. Use of the private messaging feature or email addresses obtained through users� profiles for unsolicited advertising is not permitted.

Company representatives may participate in discussions and answer questions about their products or services, or suggest their products on recent threads if they fulfill the criteria of a query. False "testimonials" provided by company affiliates posing as general consumers are not appropriate, and self-promotion of sales, ad campaigns, etc. through the discussion forums is not allowed.

Paid advertising is available on our classifieds site and through the purchase of banner ads. The tightly monitored Giveaways forum permits free listings of genuinely free horses and items available or wanted (on a limited basis). Items offered for trade are not allowed.

Advertising Policy Specifics
When in doubt of whether something you want to post constitutes advertising, please contact a moderator privately in advance for further clarification. Refer to the following points for general guidelines:

Horses � Only general discussion about the buying, leasing, selling and pricing of horses is permitted. If the post contains, or links to, the type of specific information typically found in a sales or wanted ad, and it�s related to a horse for sale, regardless of who�s selling it, it doesn�t belong in the discussion forums.

Stallions � Board members may ask for suggestions on breeding stallion recommendations. Stallion owners may reply to such queries by suggesting their own stallions, only if their horse fits the specific criteria of the original poster. Excessive promotion of a stallion by its owner or related parties is not permitted and will be addressed at the discretion of the moderators.

Services � Members may use the forums to ask for general recommendations of trainers, barns, shippers, farriers, etc., and other members may answer those requests by suggesting themselves or their company, if their services fulfill the specific criteria of the original post. Members may not solicit other members for business if it is not in response to a direct, genuine query.

Products � While members may ask for general opinions and suggestions on equipment, trailers, trucks, etc., they may not list the specific attributes for which they are in the market, as such posts serve as wanted ads.

Event Announcements � Members may post one notification of an upcoming event that may be of interest to fellow members, if the original poster does not benefit financially from the event. Such threads may not be �bumped� excessively. Premium members may post their own notices in the Event Announcements forum.

Charities/Rescues � Announcements for charitable or fundraising events can only be made for 501(c)(3) tax-exempt organizations. Special exceptions may be made, at the moderators� discretion and direction, for board-related events or fundraising activities in extraordinary circumstances.

Occasional posts regarding horses available for adoption through IRS-registered horse rescue or placement programs are permitted in the appropriate forums, but these threads may be limited at the discretion of the moderators. Individuals may not advertise or make announcements for horses in need of rescue, placement or adoption unless the horse is available through a recognized rescue or placement agency or government-run entity or the thread fits the criteria for and is located in the Giveaways forum.

5. Do not post copyrighted photographs unless you have purchased that photo and have permission to do so.

6. Respect other members.
As members are often passionate about their beliefs and intentions can easily be misinterpreted in this type of environment, try to explore or resolve the inevitable disagreements that arise in the course of threads calmly and rationally.

If you see a post that you feel violates the rules of the board, please click the �alert� button (exclamation point inside of a triangle) in the bottom left corner of the post, which will alert ONLY the moderators to the post in question. They will then take whatever action, or no action, as deemed appropriate for the situation at their discretion. Do not air grievances regarding other posters or the moderators in the discussion forums.

Please be advised that adding another user to your �Ignore� list via your User Control Panel can be a useful tactic, which blocks posts and private messages by members whose commentary you�d rather avoid reading.

7. We have the right to reproduce statements made in the forums.
The Chronicle of the Horse may copy, quote, link to or otherwise reproduce posts, or portions of posts, in print or online for advertising or editorial purposes, if attributed to their original authors, and by posting in this forum, you hereby grant to The Chronicle of the Horse a perpetual, non-exclusive license under copyright and other rights, to do so.

8. We reserve the right to enforce and amend the rules.
The moderators may delete, edit, move or close any post or thread at any time, or refrain from doing any of the foregoing, in their discretion, and may suspend or revoke a user�s membership privileges at any time to maintain adherence to the rules and the general spirit of the forum. These rules may be amended at any time to address the current needs of the board.

Please see our full Terms of Service and Privacy Policy for more information.

Thanks for being a part of the COTH forums!

(Revised 5/9/18)
See more
See less

Are 'lease to buy ' the new way to buy horses

  • Filter
  • Time
  • Show
Clear All
new posts

  • Are 'lease to buy ' the new way to buy horses

    I put an ad for a nice jumper mare I am trying to sell in the mid five figure range and out of 20 inquiries, I got 17 people asking me for a lease to buy option, 2 leases and one low ball offer...

    Is lease to buy, the way people purchase jumpers these days? Just curious. I usually sell prospects in the $20K range so I'm tapping into a new market and it has been quite interesting

  • #2
    I think its like anything, if people want a nicer horse than they can afford right now (like a car), this option solves the problem. I know a couple of girls who've done that--it basically gave them a year to "pay off" the horse (pretty much an installment contract).


    • #3
      Keep in mind that a lease-to-buy and a payment plan are different beasts. I don't know if it's from inflation, but I've had to spend more for roughly the same quality horse over the past 10-15 years ("amateur" horses, ok movers, nicer jumpers, competitive at "A" shows). It used to be $20k, then 30k, now mid-five figures. Or maybe I'm getting older and am less brave?

      As a buyer, I think lease with option to buy is great. Of course, it's more risky for the seller if something happens to the horse or the horse ends not doing as well in another program. And the owner also takes the risk of having the horse returned in a year, when they will have to try to market the horse again.

      ETA: As a buyer, I've asked sellers if they have lease or payment options available. I've bought one on payments over 6 months.
      Last edited by veritas; Oct. 31, 2014, 03:40 PM. Reason: Update
      Ride on!


      • #4
        As I get older, I truly think you need to work with a horse for longer than a few test rides to really get a feel if you will get on with that horse. I think every horse I have tried and bought has been very different once I had gotten to ride him or her over the next few months at home. Some, the differences were better, but some the differences were worse. So I can see the allure of leasing to buy, or just plain asking for a one-month or two-month lease before buying to be sure we're compatible.


        • #5
          I have three currently out on a lease to buy. The first one has been leased to the same family for the past three years. They pay him off next month!!

          The other two just left in the last month, so I'm unsure if they will just lease them or end up buying them. Both were lower 5 figure horses. We did 1/3 the sale price. 100% of the lease will apply to the purchase price at the end of the lease if they decide to buy. It works well for everyone and I know my horses are exactly what the buyer is looking for. They do keep them insured during the lease as well. I'm also picky the programs I'll allow them to go to.


          • #6
            Everyone wants it and it is so annoying.... It's just another word for a payment plan. If some one wants to lease to buy one of ours the value of their initial payment goes down as they take longer to decide to buy the horse. And the full lease amount is almost never applied to the final price even if they decide to buy within the first few months. Of course there can be exceptions.


            • #7
              My client is shopping now, and as the last horse she purchased was passed by a vet that covered up a ton of issues and should never have passed, we love the lease option. However, generally with a lease option, you have a shorter period of time to decide to purchase should you want the entire lease fee to apply to the sale price. Generally, three months. Then, on a sliding scale, a lesser percentage of your lease fee is applicable over the course of the year. So if you decide to buy after the full year, usually only 50% or less of your lease fees goes towards purchase. I think this is totally fair-otherwise, there is no incentive for the seller. But, having a client badly burned once, I do appreciate when a seller will offer similar terms.
              Cornerstone Equestrian
              Home of Amazing (Balou du Rouet/Voltaire) 2005 KWPN Stallion
              RPSI, KWPN reg B, and IHF nominated


              • #8
                Originally posted by mademoiselle View Post
                I put an ad for a nice jumper mare I am trying to sell in the mid five figure range and out of 20 inquiries, I got 17 people asking me for a lease to buy option, 2 leases and one low ball offer...

                Is lease to buy, the way people purchase jumpers these days? Just curious. I usually sell prospects in the $20K range so I'm tapping into a new market and it has been quite interesting
                I have a hunter for sale in the same price range and my experience has been very similar. Though he is listed for sale or lease, almost 100% of the inquiries are for a lease. I think buyers are able to hedge their bet that way if the horse doesn't work out. While I can understand that mindset from a buyer's perspective, as a seller I think a flat out purchase is by far the least risk to me and that buyer should be rewarded with the best purchase price. IMO, applying 100% of the lease fee to the purchase price benefits the buyer only. However, sellers become willing to compromise because they want some form of deal.


                • #9
                  I hate to say it, but this is what less-than-honest horse-sellers have wrought.

                  Buyers don't trust that the seller will be honest about all the horse's quirks and issues. Some things take a bit of time to surface.


                  • #10
                    I offer people who lease one of our horses the opportunity to buy the horse with the entire lease fee counting towards the purchase price. Leasing a nice horse is often better for me than selling them, since I can ride them when they are between homes, but I think if someone falls in love with a horse they should be able to buy it... and from my perspective, it's the same amount of money in the end. It all comes down to where the horse is coming and going from. You want to make sure that both parties are trustworthy and then there are usually no problems. I would not send a horse somewhere where I thought it would not come back the same as when it arrived, and a good trainer will tell you that they don't want to take a horse for a client that they don't think they can maintain at the same level. It's when you start messing around with the sketchy people that the problems always start, whether you are buying, selling, leasing or making payments. I have learned the expensive way: no sketchy people allowed!
                    Trinity Farm LLC
                    Quality hunters and jumpers at Midwest prices
                    Like us on Facebook:


                    • #11
                      It is becoming more common and I think it is better to have more than a few rides to decide if the fit is right as it can sometimes take a few months for certain "quirks" to surface. I have found many sellers are also willing to give trial periods which is a good compromise to a full out lease. The lease fee is often put toward the purchase price of the horse.
                      Westbrook Farm